Finance Tools
NSF Fee Calculator
Estimate how much NSF (Non-Sufficient Funds) fees will cost you based on fee amount and the number of declined/returned transactions.
Assumes the event count is a monthly number.
Total NSF Fees (Monthly): $60.00
Estimated NSF Fees (Yearly): $720.00
Total = fee × events. Banks may cap fees per day; use an average if needed.
How to use this nsf fee calculator
- Enter the NSF fee charged by your bank.
- Enter how many times a payment was declined or returned for insufficient funds.
- Click Calculate to see the total NSF fees.
Example
If your bank charges a $30 NSF fee and you have 2 returned payments in a month:
- Fee per NSF event: $30
- Number of NSF events: 2
- Total NSF fees: $60
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